STOCK UP OR RISK PAYING MORE We enjoy Christmas baking but it’s important for us to have the best baking ingredients stocked in our pantry but without the high costs. Today I’m going to discuss with you which of those baking ingredients you WILL want to stock up on now or risk paying a heavier price closer to Christmas and New Years. The moment Halloween is over and done with the Christmas flyers and holiday sales start appearing just about everywhere. Product sales throughout the year are orchestrated to perfection in chronological order because they know exactly what the consumer is looking to buy every month. Come November any savvy grocery shopper knows that the grocery stores start pumping out baking ingredients for great prices. Mrs. CBB and I don’t save money as a projected expense for Christmas baking ingredients so the money will come from our $235 monthly grocery budget or $25 stockpile budget. Each week when we menu plan we know that we have to start incorporating some of these baking ingredients if we intend to whip up our famous holiday treats in December. Most people don’t wait until the last-minute to bake for Christmas especially if […]

I can’t believe November has come and gone so quickly, now it’s time to get into the festive mode and thinking about our yearly goals for 2013. By posting our CBB Family Net Worth and Budget Update once a month here is a means to motivate ourselves to continue down our financial path. We are a Canadian couple who make an average salary and want to know where we stand each month. We want others to know that you don’t have to make 6 figures to have a Net Worth. There’s no race to the finish line because no one really knows where that line is. You could die tomorrow or you may live until you are 110 years old. What does Individual Net Worth mean? Net Worth is a snap shot of your financial health sort of like a picture. It’s a total of the value of your assets minus your liabilities. Posting our financial numbers is about showing others how budgeting has worked for us. Who’s the Man behind Canadian Budget Binder? My name is Mr. CBB and I’m the frugal guy that does all the talking around here. Yes, some women think Frugal Men are Sexy and I’m here to show you how to spot one! Well not really but I’m sure you will […]

It’s a few weeks before Christmas now and the festive preparation has begun starting with our Holiday Snowballs and tonight Peanut Butter Balls. This is the first post for the December Grocery Game Challenge and I welcome all new fans that are joining in from wherever you are in the world! As I mentioned in my November Budget Update yesterday next year we will be making changes to our Christmas Budget. Just when we thought we had it sorted out we were thrown another curve ball yesterday. This is where we feel the pressures of the holiday season but should be ready. One of our family members came up with the idea to have a “gag gift” for everyone to open on Christmas Eve. She says the amount to spend is $10 which is fine but we did not budget for this expense. Although it is only $20 total for the both of us it’s more money we need to factor in for next year, just in case. The Christmas season is so unpredictable that we will really take a look at our Christmas Budget to make it as realistic as we can. Any left over money can go towards boxing […]

Yep, that’s another month to cross off the list for 2012 as we head into the final month of the year. We certainly will have some data to look back on and evaluate since we document all of our expenses. It’s funny how the year progresses and we see more and more areas that we can improve in when at the time it all sounded like a solid plan. Do you find you make changes to your budget throughout the year? What happened in November in the CBB House? Not a lot happened this month to be honest with you. I did some renovations on the home and prepared the house for the winter months. I’ll be bringing out the tank for winter soon and parking my love machine for about 4 months. I do go in the garage sometimes just to hang out and start the engine just to get a feel for what I’m missing. December might even be a write off as so much will be happening I’m doubting I will get anything done. On a good note our love ferns are surviving well in the kitchen no less, and are getting much-needed sunlight. Here’s hoping they […]

This is the last week for the Grocery Game Challenge for the month of November. As we ramp up for the next few weeks of snow, shopping, wrapping and parties we will try our best to stick to the budget. We thought it would be one of those month’s that we could make it through but we were wrong. There’s something about November and December and our grocery budget that it just sky rockets if we are not careful. We were doing well up until last week when we had just over $1.81 in the budget to spend but so many great deals popped up. We realized it can be hard to say no to these amazing deals that you know you can stockpile because you WILL use them. The harder part is knowing you have the money to pay for them. So, sadly we went over budget this month BUT the good news is we are away for a couple of weeks in December so we won’t need much. The hard part is IF great deals pop up which we are betting they will. This time of year the shops are in high competition mode and the deals just […]

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